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Jigar

Jigar Patel  |278 Answers  |Ask -

Stock Market Expert - Answered on Apr 10, 2023

Jigar Patel is a senior manager (technical research analyst) at Anand Rathi Shares and Stock Brokers.
He has around seven years of experience in the stock markets and specialises in sharing outlooks based on technical analysis.
Patel has a PGPM (Finance) certification from the International Institute of Finance Markets.... more
ASHWANI Question by ASHWANI on Apr 09, 2023Hindi
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is it good to invest in PNB,UNION BANK,YES BANK,TATA POWER,MRPL TRIDENT,TATA STEEL,RENUKASUGAR,KFINTECHfor long term?

Ans: u start in small tranches............avoid yes bank
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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I am 25 years old and investing 2k in quant small cap, 2k in Nippon small cap, 1k in parag Parikh flexi, 1k in Motilal Oswal midcap, 1k in HDFC mid cap. Is it good for long term like 30 years. Plz advice me
Ans: Hello,

Your portfolio seems to be well-diversified across different sectors and market caps, which is generally a good approach for long-term investing. Here are a few things to consider:

Performance History: Look at the historical performance of each mutual fund scheme over various time frames (1 year, 3 years, 5 years, and since inception). Compare it with relevant benchmarks and peer group averages to assess how well the fund has performed.

Fund Manager Experience: Evaluate the experience and track record of the fund manager. A skilled and experienced fund manager can significantly impact the performance of the fund.

Expense Ratio: Consider the expense ratio of each mutual fund scheme. Lower expense ratios mean more of your investment returns stay with you rather than being eaten up by fees.

Investment Strategy: Understand the investment strategy of each mutual fund scheme. Make sure it aligns with your risk tolerance, investment goals, and time horizon. For example, small-cap funds tend to be riskier but offer higher growth potential, while flexi-cap funds offer more flexibility in asset allocation.

Asset Allocation: Ensure that your overall portfolio is well-diversified across different asset classes, sectors, and market caps. Avoid overconcentration in any single fund or sector.

Risk Management: Assess the risk management practices of each mutual fund scheme. Look for funds with a disciplined approach to risk management and a focus on preserving capital during market downturns.
Fund House Reputation: Consider the reputation and credibility of the mutual fund house managing the scheme. A well-established and reputable fund house is more likely to have robust investment processes and governance standards.

Regular Review: Regularly review the performance and portfolio composition of each mutual fund scheme. Make adjustments to your portfolio as needed based on changes in your investment objectives, market conditions, and fund performance.
It's also a good idea to consult with a SEBI registered investment advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help you build a well-structured investment portfolio tailored to your needs.

It's also a good idea to consult with a SEBI registeredinvestment advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help you build a well-structured investment portfolio tailored to your needs.

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Dear Mr Pradeep, how does one deal with workplace burnout? A young CA working for EY recently succumbed due to work pressure and no one from the office attended her funeral. Is this normal? What are your thoughts? What should one do in a situation like this? What is your advice to young professionals
Ans: Dear ,

You have raised a valid point which most of the young professionals are passing through. What a paradox in Indian context , at one hand,. public sector companies do have quite liberal working conditions and virtually No direct accountability to push your to the stress level to that high of opting for ending life. whereas in most private or proprietorship companies , right from reaching office in time to achieving the set objectives days after days , months after months keep on increasing. There is limit of tolerance of abusive behaviur or working styles , hence many find ways to move to other comanpies, some quite the job , some move out to other industries . There are many companies , why only talk about EY or IT sector companies ,I can give true exampples of BFSI/NBFCs/Telecom/ Industrial products companies / Real Estate cos/ FMCG/FMCD/Pharma cos where many avoid to opt for even when they are offered high packages , Reason, - High work pressure , abusive work conditions , Job Uncertainity , worst approach of top management . You are treated like slaves .
However taking own life as the CA at EY did was really heartwrenching . More so the approach of the management , After all a young talented girl . lost her life due to work pressure as mentiioned in her notes. To be honest , no one attending funeral from management side is not normal . In most cases some one represents management . May be, due to legal complications, Sr managers avoided attending the funeral . As far as my advice to young professionals is concerned , Be bold , take challenges as part of your life and when you feel . it is crossing your limits , You must expose the truth to top management as many a times , putting so much pressure on young professionals are the handiworks of Line managers or HR manager , which top management might not be aware about . She being a CA should not have any issues in finding another good paying job or even joining any CA firm as Sr manager taxation or in auditing. She should have fought back. You must have seen many army /police /CISF or Bank professionals commit suicide under work pressure which is really painful . One should fight back or find better options available than ending own life.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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